Lang Insurance Blog

All You Ever Wanted to Know About Insurance

It’s easy to get caught up in excitement when you’re looking for a new home. Keep in mind, though, when a home is listed for sale, it is being presented as positively as possible. As a prospective buyer, you will want...

We’re less than four weeks from the start of fall: time to start thinking about some annual tasks if you live in a part of the country with seasonal temperature changes. INSPECT YOUR HEATING SYSTEM - Whether it’s a...

Back in the early days of home security "systems," around the end of World War I, it was common for homeowners to hire "door shakers"-night watchmen who would literally walk around and check doors to make sure they were...

One of our family’s most favorite vacations was almost over before we left town. A few summers ago, I pre-paid for a week in the Rocky Mountains. It was going to be five FUN-tastic days of dude ranching and whitewater...

Every year nearly 300 children under the age of 5 drown in swimming pools in the United States, making it the leading cause of death for children in that age range. Tragically, 87 % of these deaths occur in backyard...

Congratulations on your new car! Purchasing a new vehicle is exciting, and insurance isn’t normally the first thing on your mind. When you finally think of it, you may be overwhelmed and not sure what to do. Here are...

Does your homeowner policy have sufficient coverage limits to help you recover fully after a loss and avoid incurring serious financial burdens? It’s a question many people don’t ask, and if they have a claim, it can...

While tornadoes can occur throughout the year, spring and early summer are peak months in most of the United States. Prepare to respond to a tornado by stocking your emergency kit, updating your family’s emergency...

Spring weather brings hope for new beginnings and warmer temperatures. Plants, welcomed or not, start to burst out of their winter slumber. Sunshine fills the house, prompting us to spruce up indoors and outdoors. ...

High winds are a danger to people and property. Learning what to look for and how to properly prepare can save lives and minimize damage. WIND CHARACTERISTICS - Wind damage can come from wind alone or from severe...

Home improvement projects seem to have no season. While many big outdoor projects happen in spring and summer, homeowners may find the best time to work on a renovation project is when contractors are available or...

Did you know most Americans (78 percent) agree that preparing financially for life’s unknowns is a way to show that you care? In fact, a little closer look at the data finds almost 2 in 3 (65 percent) think that having...

If you live near a fault line, you likely are no stranger to tremors or other earthquake activity. Preparation may be an ongoing process for your family. The Department of Homeland Security’s Ready.gov website offers a...

If you live near a fault line, you likely are no stranger to tremors or other earthquake activity. Preparation may be an ongoing process for your family. The Department of Homeland Security’s Ready.gov website offers a...

Your business, whatever its size, most likely processes and maintains information every day. At least annually, take time to review your data privacy practices to reinforce your information security and to reassess your...

While you work hard to earn money, criminal enterprises are working hard to steal it. So let’s take a minute to brush up on the latest tricks, scams and methods criminals are using to steal data and money from you and...

ax return identity theft has reached such epidemic proportions that it tops the list of the IRS’s Dirty Dozen Tax Scams. Here are tips the IRS wants you to know about identity theft so you can avoid becoming the victim....

Shoppers are poised to spread their time and money across both online and physical stores this holiday season, according to a survey conducted for the National Retail Federation. As you grab your mouse or head out to...

While even the best forecasters cannot guarantee what’s ahead this winter, now is the time to prepare yourself and your home for the coming season. In recent years, record low temperatures caused pipes to freeze in...

The biggest question to answer when purchasing life insurance is whether you need a term or permanent policy. Each type has advantages and limitations. To make the right decision, you should know and understand your...

Now that nearly every person of driving age has a cell phone, most of us has experienced the danger of distracted driving. Whether we have been tempted to send a quick text while cruising down the road or we have seen...

Would you believe that 1 in 5 families with children under age 18 does not have life insurance? As shocking as that may be to many of us, a 2018 study by LIMRA, a leading insurance and financial services trade...

Although summer is winding down, there is still plenty of opportunity for friends and family to gather at someone’s home or at a public venue. Before you plan your outdoor event, be sure to review your liability...

Are you thinking about buying a boat? If so, there is a lot to consider before choosing to financially and responsibly commit to being a boat owner. One of the major considerations in boat ownership is insurance. How...

For many of us, our homes are the biggest financial investment we will make during our lifetime. That’s why it’s crucial to spend some time each year thoroughly checking your home for needed repairs, updates and safety....

When purchasing a home, many people ask whether the house is located in a flood zone. If it is, this often means the buyer will need to get additional coverage to protect against potential flood damage. If your home...

If you have ever rented a place of your own, with a roommate or even paid rent to a friend, family member or significant other in their own home, you should probably obtain a renter’s insurance policy. Some clients don’...

According to the U.S. Administration on Aging, 70 percent of people over the age of 65 will require long-term care. Paying for long-term care can financially impact families, of which 65 million Americans have relied on...

If you’re considering upgrading your home this spring or summer, be sure to let Lang Insurance know. There are lots of reason people want to update their home. Whether it’s to add value to your property or to give it an...

Our years are never guaranteed to us, and for that reason, it’s crucial to be prepared in the event of the death of a loved one. Buying life insurance is one of the most important ways of preparing for such an event to...

Accidents happen, but when they do, are you prepared? First and foremost, call 911 to report the accident if you’re able to do so. Regardless of who is at fault, it’s important to get the police and medical technicians...

A personal umbrella policy is designed to protect you from major claims and lawsuits so that you can protect your assets. When accidents happen, lawsuits might follow. A personal umbrella policy works with your existing...

Most of you already know that packaging your home and auto insurance is a popular way to save money on your insurance premiums. Did you know there are other ways to save on premiums? Here are a few tips that could...

With today being the first day of winter, we thought it would be a good time share with our readers some ways that they can protect their property. So far, we have been lucky and haven’t had to deal with harsh snow or...

As stores become more and more crowded over the holidays, online shopping is an increasingly more attractive way to shop. You can shop for gifts from the comfort of your home or office and have them delivered to your...

Something often overlooked when constructing a new home or worksite is that during the construction phase, a building is most susceptible to fire. In a published report by the National Fire Protection Association (NFPA)...

By Christopher Barger I recently had a new roof put on my house. Before construction work could begin, there was the job of negotiating the terms of the project. After I accepted the winning bid, the contractor sent...

By Cincinnati Life Buildings are vulnerable to fire during construction phase. Building or remodeling a home or business is an exciting time, filled with many decisions. One consideration that’s easy to overlook is...

By Dane Albright What traits define a key employee? Key employees may be highly paid, responsible for management decisions, engender a special rapport with customers and creditors or produce a significant impact on...

By Cincinnati Life You had a plan and you did the right thing: You purchased a life insurance policy to protect your family. But things have changed since you took out that universal life insurance policy, and it may be...

By Cincinnati LifeImagine paying insurance premiums for 20 years without a claim, and then getting back all of those premium dollars. If that sounds too good to be true, take a look at return-of-premium (ROP) term life...

By Cincinnati Life With so many options available for life insurance, some people struggle with their decisions and opt to ... do nothing. But what if one policy made their choice easy? Guaranteed whole life insurance...

By Life Happens Think of your life as a series of stages: youth, adulthood, parenthood, maturity. Each stage has its own loves, its own rewards – and its own reasons to purchase life insurance. As you reach different...

By Cincinnati LifeOnce you have decided to purchase life insurance, the next question to answer is how much to purchase. Some people select coverage based on an arbitrary amount: $100,000 or $200,000. Others purchase...

By Cincinnati Personal LinesIf your travel plans include use of a rental car, a little knowledge about auto insurance could preserve your peace of mind and save you money. Before you rent, consult with your insurance...

By Matthew CluxtonJewelry and watches have a strong appeal to many people. They can represent sentiment, personal adornment, private assets, family heirlooms and collectible works of art. Because of their unique value,...

By Safeco Your home protects you from the elements, but heavy rains can weaken that protection. With a little maintenance and a lot of vigilance, it’s not hard to stay safe and dry. Spring rainstorms are a fact of life...

By John FisherAlmost everyone procrastinates from time to time, but putting off attention to safety hazards can be disastrous for a business or organization. To protect your customers and yourself, immediately attend to...

By Cincinnati LifeMost business owners know they need one; however, I still meet with business owners weekly who do not have a formal business continuation plan in place. Owners can be most prepared for the futures of...